The Backed Local Providers (ELP) program was formed in 2001 by America's leading voice on personal financing, Dave Ramsey, to help people find reliable, top-tier experts who fulfill Dave's requirements for exceptional service.Here are some highlights: The 3 gain access to points to home, car, and organization insurance are as follows: Head out and get your own insurance coverage policies utilizing a web portal or calling a hotlineA local branch of a large insurance company. The term "captive" suggests the local representative works for the business. A small company that offers access to multiple insurance provider and suggestions about which business and coverage is best for you.